Beyond Bank Low Rate

12.49% p.a.

0% p.a. for 12 months and then 12.49% p.a.

$49

n/a

Beyond Bank Low Rate

12.49% p.a.

0% p.a. for 12 months and then 12.49% p.a.

$49

n/a

Mozo Review   Beyond Bank Low Rate Review

Last updated: 17 October 2019.

What's hot:
  • 0% balance transfer offer for 12 months

  • 62 interest free days

  • 12.49% purchase rate

What's not:
  • 19.99% cash advance rate

Mozo snapshot:

If reducing your credit card expenses is the name of your game, then the Low Rate credit card from Beyond Bank could be the perfect companion for you. With 62 interest free days to pay off your purchases and a low annual card fee of just $49 you’ll be able to keep expenses down, plus the 0% balance transfer offer for 12 months will help you take control of any existing credit card debt.

Key features:

Featuring one of the longest interest free periods on the market, the Beyond Bank Low Rate credit card gives cardholders who pay their balance in full each month up to 62 interest free days on new purchases. Even if you do carry a balance, you’ll only be charged at the relatively low 12.49% purchase rate.

The card also comes with a low $49 annual fee, as well as the useful 0% balance transfer offer for the first 12 months. Just keep in mind that if you do take advantage of the offer to transfer debt from an existing card, make sure you pay it off in that 12 month period otherwise you’ll be charged the 12.49% purchase rate.

With Visa’s handy payWave system you’ll also be able to simply tap your card for payments below $100, and you won’t have to worry about any unauthorised purchases made with your card thanks to Visa’s Zero Liability Policy.

Who it's good for:

The Beyond Bank Low Rate credit card could be a top option for anyone looking to get a handle on their credit card debt who can make use of the 0% balance transfer offer, or cardholders that pay their balance on time each month that can take advantage of the generous 62 interest free days.

Any catches?

Like many credit cards, you’ll want to avoid taking cash out with your Beyond Bank Low Rate credit card to dodge the 19.99% cash advance rate.

Details

Rates and fees information correct as at 21 October 2019 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 12.49% p.a.

  • none

  • 0% p.a. for 12 months and then 12.49% p.a.

  • no

  • 19.99% p.a.

  • 62

Fees
  • $49.00

  • none

  • none

  • none

  • $25.00

  • $4.00

  • 3.00%

  • $5.00

  • $25.00

  • $0.00

Features
  • $20.00

  • 3.0

  • 4

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

How are Beyond Bank credit cards rated by the Mozo community?

Overall customer rating
8.9/10
Price
8.5/10
Features
7.9/10
Customer service
9.1/10
Convenience
9.0/10
Trust
8.8/10

Latest reviews of Beyond Bank Low Rate

  • Overall
    10/10
    Excellent and secure

    Credit Union and not a bank as I pay $2 to become a member and have no fees on debit visa card...

    Credit Union and not a bank as I pay $2 to become a member and have no fees on debit visa card account

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Derren | South Australia

    reviewed almost 2 years ago

  • Overall
    10/10
    You name it, they do it best

    Been with them from the first day they opened!!!

    Been with them from the first day they opened!!!

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Steve | New South Wales

    reviewed about 4 years ago

  • Overall
    9/10
    Great bank and great people

    Never had a problem with the card or bank, always no hassles to use.

    Never had a problem with the card or bank, always no hassles to use.

    Price
    10/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    6/10

    Craig | Australian Capital Territory

    reviewed over 4 years ago

  • Overall
    1/10
    My credit union was taken over by beyond bank

    I have a visa debit card with an overdraft, I think the interest rate is too high and I'm always...

    I have a visa debit card with an overdraft, I think the interest rate is too high and I'm always getting overdue fees and extra charges. I was with Wagga credit union.

    Price
    0/10
    Features
    1/10
    Customer service
    3/10
    Convenience
    3/10
    Trust
    2/10

    Lisa | New South Wales

    reviewed over 4 years ago

  • Overall
    10/10
    Low fees, easy application

    Great card easy to use and pay off , simple application and quick acceptance.

    Great card easy to use and pay off , simple application and quick acceptance.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Nic | Victoria

    reviewed over 4 years ago

Beyond Bank

About Beyond Bank

Beyond Bank, formerly Community CPS, is one of Australia's largest customer owned banks. Based in South Australia, Beyond Bank operates more than 46 branches across the country. Beyond Bank offers a wide range of banking and financial products including home loans, credit cards, savings accounts, term deposits, bank and and business accounts, and personal loans. The winning combination of great products and local service has helped Beyond Bank win many industry awards, including Best Credit Union in the Mozo People's Choice Awards 2012.

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